Pink Magazine - Vol. 5 November 2017

FREE MAGAZINE VOL. 6 - ISSUE 11 - NOVEMBER 2017

ASHLYN GEORGE

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FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 11, NOVEMBER 2017

SAVE THE DATE! NOV 21 TO 25.

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Living longer could affect Living longer could affect Will health care expenses Living longer could affect Living longer could affect your retirement your retirement impact your financial plan? your your retirement retirement 1 Over ss more Over 700,000 700,000 Canadians Canadians are are 85 85 or or older. older.1 That’ That’ more than than 1 1 18 Whatever stage of life you’re at, you’ll want to make sure you have Over 700,000 Canadians are 85 or older.

That’ sIndex™ more According to the 2013 Sun Life Canadian Health report, many the total number of boys and girls under registered to Over 700,000 Canadians are 85 or older.

That’ s more than the total number of boys and girls under1 18 registered tothan Over 700,000 Canadians are 85 or older.

That’ s more a plan to protect both your family’s health and the financial plans thetotal totalnumber number boys and girls under 18 registered totoo few are Canadians underestimate out-of-pocket health coststhan and play minor hockey inof all of Canada. the ofin boys and girls under 18 registered to play minor hockey all of Canada.

A longer life means Canadians might need the total number of boys and girls under 18 registered to you’ve been Canadians building. During yourneed working years, the focus is normally play minor hockey in all of Canada. prepared to cover the cost of a major health event.

The Index also A longer life means might play minor hockey in all of Canada.

Longer life for Canadians mean your Longer life expectancies expectancies forCanadians Canadiansface mean your hardship after A longer life means Canadians might need more retirement income for the long run.

A longer life means Canadians might need play minor hockey in all Canada. on protecting your family income.

As you move toward retirement, shows that 40 per cent of financial a more retirement income for the long run.

Longerlife life expectancies Canadians mean your retirement could last 20 or 30 years – or more: Longer expectancies forfor Canadians mean your retirement could last 20 or 30 years – or more: A longer life means Canadians might need more retirement income for the long more retirement income the long run. the emphasis shiftsfor to protecting therun. financial resources that you’ve serious health event.

The study found that: Longer life expectancies for Canadians mean your retirement could last 20 or 30 years – or more: retirement could last 20 or 30 years you’ll – or more: If your lasts lot longer, need more income the long run.

If your retirement retirement lasts20aa or lot30 longer, you’ll need more more worked so hard to for build.

Life retirement expectancy at retirement last years – you’ll or more: • Ifyour One incould five Canadians isn’t financially prepared for bad health.

Life expectancy at your retirement lasts a lot longer, need more retirement income.

If retirement lasts a lot longer, you’ll need more retirement income.

Life expectancy at years at years If your82% retirement lasts arealize lot longer, need moreevent could Life expectancy income.

• retirement of Canadians that ayou’ll serious health retirement income.

Personal One of best Life expectancy athealth insurance old One of the the income. best ways ways to to ensure ensure you you won’t won’t run run out out of of years years oldyears retirement years impact their personal finances, but only 13% have money set One of the best ways to ensure you won’t run out of money in retirement is to purchase a product that gives One of the best ways to ensure you won’t run out of years When old youold don’t have health benefits through an employer, personal old money in retirement is to purchase a product that gives years oldyears aside for uncovered health-care costs.

One of the best ways to ensure you won’t run out of money retirement to purchase ayou product that gives you income guaranteed as long live.

You can use money inin retirement is is tofor purchase a product gives health old insurance can give you greater control over your daily years health old you income guaranteed for as long as as you live.that You can use old money in retirement to a product that gives number centenarians is income guaranteed for as long as you live. use • youincome 40% ofto Canadians who a basic serious health event reported that money to cover is some of your basic needs – You things old you guaranteed forpurchase ashad long as you live.

You cancan use care, dental, and emergency medical The expenses. also help The numberItof ofcan centenarians isyou that money cover some of your needs – things projected to increase to you income guaranteed foraprescriptions as long asbasic youneeds live.

You use The number of centenarians is The number of centenarians is care like food, shelter, clothing, – that that money to cover some of your needs – can things financial hardship as result. projected toand increase to almost almost that money to cover some of your basic – things pay for other services such as massage therapy chiropractic like food, shelter, clothing, prescriptions – knowing knowing that 80,000 by 2061.*** The number of centenarians is projected to increase to almost that money to cover some ofprescriptions your basic needs –of things projected to increase to almost 80,000 by 2061.*** amount will always be a part of the income side your like food, shelter, clothing, – knowing that like food, shelter, clothing, prescriptions – knowing that that help keep you healthy. amount will always be a part of the income side of your 1979 2012 projected 80,000 byincrease 2061.*** to almost 1979 2012 80,000 by to 2061.*** like food,will shelter, clothing, prescriptions – knowing that budget. amount will always a part the income side your 2001 2011 amount always bebe a part ofof the income side ofof your budget.

2001 80,000 by 2061.*** 2011 1979 2012 1979 2012 amount will always be a part of the income side of your Disability insurance budget. budget.

2001 2011 2001 2011 Respondents to the 2014 Sun Life Canadian Unretirement 1979 2012 Respondents to the 2014 Sun Life Canadian Unretirement CANADIAN HEALTH CONCERNS budget.

2001 2011If you’re Your ability to earn an income is your most valuable asset.

Index overwhelmingly indicated they want a portion of 35 years ago, the average life expectancy at Respondents to the 2014 Sun Life Canadian Unretirement Respondents to the 2014 Sun Life Canadian Unretirement Index overwhelmingly indicated they want a portion of 35 years ago, the average life expectancy at Respondents to the 2014 Sun Lifethey Canadian 2061 unable to work of and aatdisability or illness, disability insurance age 65years was almost 80 years old for men and their retirement income guaranteed for life:aUnretirement Index overwhelmingly indicated they want a portion Index overwhelmingly indicated want portion of of ago, average life expectancy at 2061 35 35 years ago, thethe average lifebecause expectancy age 65 was almost 80 years old for men their retirement income guaranteed for life: Index overwhelmingly indicated they want a portion of 84 years old for women.

In 2012, that average 35 years ago, the average life expectancy at replaces a portion of your income.

2061 2061 age 65 was almost 80 years old for men and ageyears 65 was 80 years old for men and their retirement income guaranteed life: their retirement income guaranteed forfor life: 84 oldalmost for women.

In 2012, that average A life annuity that providing guaranteed income A liferetirement annuity fills fillsincome that need, need, providing guaranteed income 2061 at age 65 was almost 84 years old for men age 65years was almost 80 years old for men and their guaranteed for life: SAVED ANY 84 old for women.

In 2012, that average 84 years old for women.

In 2012, that average OF RESPONDENTS HAVEN’T MONEY at age 65 was almost 84 years old for men for life.

Yet per cent of respondents said they don’t lifeannuity annuity fills that need, providing guaranteed income A that providing guaranteed income forAlife life.

Yet 62 62fills per cent of respondents said they don’t Critical illness insurance ORneed, OTHERWISE PLANNED FOR A HEALTH EVENT and almost 87 years old for women.* 84 years for women.

In 2012, average at age 65 was almost years old men at 65old was almost 84 84 years oldthat for for men andage almost 87 years old for women.* A life annuity fills that need, providing guaranteed income understand how they work. life.

Yet 62 per cent respondents said they don’t forfor life.

Yet 62 per cent ofof respondents said they don’t understand how they work. at age 65 was almost 84from years old for men and almost 87 years old for women.* and almost 87 years old for women.* Recovering a serious illness can be stressful and costly. Your for life. Yet 62 perthey cent of respondents said they don’t understand how work. understand how they work. and almost 87 yearsare oldthe for women.* You’ d use some of the money you’ve saved for retirement You’ d use some of the money you’ve saved for retirement years finances last thing you want to worry about. Critical illness understand how they work. years . to buy an annuity from anmoney insurance company, like Sun Life ABOUT You’ d42% some ofof the money saved forfor retirement You’ duse use some the you’ve saved retirement old to buy an annuity from an insurance company, like Sun Life 47% WORRY HAVE HAD 53%you’ve WORRY ABOUT insurance can give you money to help you manage .everyday expenses old years years You’ d use some of the money you’ve saved for retirement THE COST OF DRUG BEING IN LONG-TERM . still increase Assurance Company of Canada, if you: FINANCIAL totobuy from insurance company, likelike Sun Life buyananannuity annuity from an insurance company, Sun Life years old increase old family’s activities,.. while Assurance Company of an Canada, if you: like mortgage payments and your CARELife LONGER THAN AND MEDICAL to buy an annuity from an insurance company, like Sun HARDSHIP old increase Assurance Company of Canada, if you: increase Company Canada, if you: during THEY ARE FINANCIALLY •• Assurance want to receive aa of monthly paycheque contributing to your25% retirement savings.More Canadians are want to receive monthly paycheque during your your AS A RESULT OF of TREATMENTS Currently, of reaching increase Assurance Company Canada, if you: Currently, 25% of More Canadians are reaching PREPARED FOR A HEALTH EVENT retirement yearsa monthly IN RETIREMENT • • retirement want receive paycheque during your wanttoto receive a monthly paycheque during your years 65-year-old women and ageMore 100 and the are number of Currently, 25% of More Canadians reaching Currently, 25% of Canadians are reaching 65-year-old women and age 100 and the number of Long term care insurance • want to receive a monthly paycheque during your retirement years retirement years income •• want aa guaranteed to cover your fixed 17% of 65-year-old men centenarians has increased Currently, 25% of More Canadians are reaching 65-year-old women and age 100 and the number of of want guaranteed income to cover your fixed 65-year-old women and age 100 and the number 17% of 65-year-old men centenarians has increased retirement years Settling into can95.** be full of twists and with will live65-year-old past age 95.** 25.7% between 2006 to changes 2011.*** 65-year-old women and age 100 andturns, the number of • • expenses want income toto cover your fixed 17%retirement of men centenarians has increased wanta guaranteed a guaranteed income cover your fixed will live age 25.7% between 2006 to 2011.*** 17% ofpast 65-year-old men centenarians has increased expenses BUT to ONLY ONLY 12% toincome to finances,17% health and relationships.

• BUT want a guaranteed cover 24% your fixedBUT ONLY 10% of men centenarians has increased will live65-year-old past age 95.** 25.7% between 2006 to 2011.*** will live past age 95.** 25.7% between 2006 to 2011.*** expenses expenses •• OWN want this income last as long as you live, so you OF RESPONDENTS TOLD want this income as long as you live, so you LONG **TERM Life abridged life tables, CRITICAL ILLNESS to last will live Statistics past ageCanada, 95.** 2014.

25.7% between 2006 to 2011.*** OWN Life expectancy, expectancy, abridged tables, Statistics Canada, 2014. expenses It might belife difficult US THEY OWNas PERSONAL ** Canadian Canadian Institute Institute of Actuaries, Actuaries, 2014. to imagine the care you’ll need as you age. If outlive your savings • • won’t want this income to last as long you live, so you ** of 2014. want this income to last as long as you live, so you won’t outlive your savings * Life expectancy, abridged lifeCensus, tables, Statistics Canada, 2014. * Life expectancy, abridged life tables, Statistics 2014. *** Centenarians in 2011 Statistics Canada, May HEALTH INSURANCE CARE *** Centenarians in Canada, Canada, 2011provided Census, Statistics Canada, May 2012.

2012.

• INSURANCE want this income tosavings last as long as you live, so you INSURANCE you’ve ever careCanada, forCanada, a loved Canadian Institute of Actuaries, 2014. won’t outlive your ** Canadian Institute of Actuaries, 2014. *** Life expectancy, abridged life tables, Statistics 2014. one, you can appreciate why it’s won’t outlive your savings •• don’t want changes in market values to affect your don’t want changes in market values to affect your *** Centenarians in Canada, 2011 Census, Statistics Canada, May 2012.2012. needs in retirement. *** Centenarians inof Canada, 2011 Census, Statistics Canada, May ** Canadian Institute Actuaries, 2014. won’t outlive your savings important to plan for your own health-care 1 of by age sex July income. *** Centenarians in Canada, Census,and Statistics May 2012.

• • retirement don’t want changes in in market values toto affect your Estimates of population, population, by 2011 age group group and sex for forCanada, July 1,1, Canada, Canada, don’t want changes market values affect your 1 Estimates retirement income. and territories, Table 051-0001, Statistics Canada, 2013. will change over time. It may TALK YOUR ADVISOR ABOUT SOLUTIONS 1 provinces • don’t want WITH changes in market values to affect your TO HELP Your health and personal-care provinces andpopulation, Table 051-0001, Canada, 1 Estimates Estimates of by age group andStatistics sex sex for July 1, needs Canada, retirement income. ofterritories, population, by age group and for July 1, 2013.

Canada, retirement income.

One strategy strategy is to to allocate,YOUR for example, example, 25 per SERIOUS cent of of HEALTH YOU PROTECT ASSETS 25 FROM One is allocate, for per cent 1 Estimates provinces andpopulation, territories, Table 051-0001, Statistics Canada, 2013. of by age group and sexStatistics for July 1,Canada, Canada, retirement income. provinces and territories, Table 051-0001, 2013. an unexpected health event, begin with minor health problems.

But, your retirement portfolio to a life annuity, providing a EVENTS, AND MANAGE YOUR HEALTH CARE COSTS AND One is is to allocate, example, 25providing perper cent of provinces and territories, Table 051-0001, Statistics Canada, 2013.

Onestrategy strategy to allocate, example, 25 cent your retirement portfolio tofor afor life annuity, a of accident or chronic health problem may be more severe, causing dayOne strategyand is to allocate, example, 25providing per cent of INCOME DURING YOUR RETIREMENT. predictable amount for your retirement. your portfolio tofor a life annuity, a a yourretirement retirement portfolio to a life annuity, providing predictable and guaranteed guaranteed amount for your retirement.

Source: 2014 Sun Life Canadian Health Index to-day activities to become very difficult.

Long term care insurance your retirement portfolio to a life annuity, providing a Then you could could include other income products predictable and guaranteed amount forproducts your retirement. predictable and guaranteed amount for your retirement.

Then you include other income can help you protect your retirement plans. predictable and guaranteed amount for your retirement. contributing to your overall cash flow, which may fluctuate Then include other income Thenyou youcould could include other income products contributing to your overall cash flow, products which may fluctuate Then you could include other income products and potentially grow in value. contributing toto your overall cash flow, which may fluctuate and potentially grow inoverall value. contributing your cash flow, which may fluctuate contributing to your overall cash flow, which may fluctuate and potentially grow in value. and potentially grow in value.

I can can help you build holistic planworks that will protect savings throughout your plan. potentially grow in value.

Iand show you how aalife annuity as the strongyour foundation for your retirement

WE’RE LIVING LONGER WE’RE LIVINGLONGER LONGER WE’RE WE’RE LIVING LIVING LONGER

100 100 100

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I can show you how a life annuity works as the strong foundation for your retirement plan. years, allowing you to retire your way.

Iworking can you annuity works asas the strong foundation forfor your retirement plan.

I canshow show youhow howa alife life annuity works the strong foundation your retirement plan. * * I can show youDouglas how aStroud life annuity works as the strong foundation for your retirement plan.

Angela Oddo * B.Ed. * MBA, Hon.B.Sc Douglas Stroud B.Ed. * 2216 306-757-8631 ext * Douglas Stroud 306-757-8631 ext** *B.Ed. 2216 Douglas Stroud B.Ed. Douglas Stroud B.Ed. Douglas B.Ed. Stroud B.Ed. douglas.stroud@sunlife.com 306-757-8631 ext 2216 douglas.stroud@sunlife.com 306-757-8631ext ext2216 2216 306-757-8631 306-757-8631 306-347-0090ext ext2216 2226 sunlife.ca/douglas.stroud douglas.stroud@sunlife.com sunlife.ca/douglas.stroud douglas.stroud@sunlife.com douglas.stroud@sunlife.com douglas.stroud@sunlife.com douglas.stroud@sunlife.com 2002 Victoria sunlife.ca/douglas.stroud 2002 Victoria Avenue, Avenue, Suite Suite 1200 1200 sunlife.ca/douglas.stroud sunlife.ca/douglas.stroud sunlife.ca/douglas.stroud sunlife.ca/douglas.stroud Regina, SK S4P 0R7 2002 Victoria Avenue, Suite 1200 Regina, SK S4PAvenue, 0R7 2002Victoria Victoria Avenue, Suite 1200 2002 Suite 1200 2002 Victoria Avenue, Suite 1200 2220 Willow Road Regina, SK S4P 0R7 Regina,SKSKS4P S4P0R7 0R7 Regina, Regina, S4P 3A4 0R7 S4V Please attend our nextSKinformative seminar.

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Please our seminar.

Call or attend email us tonext register limited space space is available. available.

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Call or email us to register -- limited is Please attend our next informative seminar.

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Call or email us to register limited space is available.

Call oremail email ustotoregister register - limited space is available.

Call Call or or emailus us to register--limited limitedspace spaceisisavailable. available. *Mutual funds distributed by Sun Life Financial Investment Services (Canada) Inc. *Mutual funds distributed by Sun Life Financial Investment Services (Canada) Inc. Sun Life Assurance Company of Canada is a member of the Sun Life Financial group of companies.

Sun Life Assurance Company Canada is a member of the Services Sun Life (Canada) Financial Inc. group of companies. *Mutual distributed by of Sun Life Financial © Sun Lifefunds Assurance Company ofSun Canada, 2017.Investment *Mutual funds distributed Life Financial Investment Services (Canada) Inc. *Mutual funds distributed byby Sun Life Financial Investment Services (Canada) Inc. © Sun Life Assurance Company of Canada, Sun Life Assurance Company of Canada is a2017. member of the Services Sun Life (Canada) Financial Inc. group of companies. *Mutual funds distributed by Sun Life Financial Investment Sun Life Assurance Company Canada a member the Sun Life Financial group companies.

Sun Life Assurance Company ofof Canada is is a member ofof the Sun Life Financial group ofof companies. © Sun Life Assurance Company Canada, Sun Life Assurance Company ofof Canada is a2017. member Sun Life Assurance Company Canada, 2017. of the Sun Life Financial group of companies. ©© Sun Life Assurance Company ofof Canada, 2017. © Sun Life Assurance Company of Canada, 2017.

Angela Oddo MBA, Hon.B.Sc * * * Solutions Inc. Fiducia Financial Angela Oddo MBA, Hon.B.Sc Fiducia Financial Solutions Inc. Angela Oddo Angela Oddo MBA, Hon.B.Sc MBA, Hon.B.Sc * MBA, Oddo* Hon.B.Sc Angela Oddo MBA, Hon.B.Sc 306-347-0090 ext 2242 Fiducia Financial Solutions Inc. 306-347-0090 ext 2242 FiduciaFinancial FinancialSolutions Solutions Inc. Fiducia Inc. Financial Solutions Inc. Fiducia Inc. angela.oddo@sunlife.com 306-347-0090 ext 2242 angela.oddo@sunlife.com 306-347-0090 ext 2242 306-347-0090 ext 2242 306-347-0090 ext 2242 sunlife.ca/angela.oddo angela.oddo@sunlife.com sunlife.ca/angela.oddo angela.oddo@sunlife.com angela.oddo@sunlife.com angela.oddo@sunlife.com angela.oddo@sunlife.com 2220 Willow sunlife.ca/angela.oddo 2220 Willow Road Road sunlife.ca/angela.oddo sunlife.ca/angela.oddo sunlife.ca/angela.oddo sunlife.ca/angela.oddo Regina, SK S4V 3A4 2220 Willow Road Regina, SK S4V 3A4 2220 Willow Road 2220 Willow Road Willow Road 2220 Willow Road Regina, SKSKSK S4V 3A4 Regina, S4V 3A4 Regina, S4V 3A4 Regina, SK S4V 3A4 S4V 3A4

FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 11, NOVEMBER 2017 | 3

Our Team

In this Issue

PUBLISHER James Huber james@getcompass.ca

OFFICE MANAGER Leanne Gunderson info@getcompass.ca

6 COVER STORY

MANAGING EDITOR & ART DIRECTOR Mustapha Itani moe@getcompass.ca

ACCOUNT EXECUTIVES Don Hahn (306) 536 8478 don@getcompass.ca

the lost girl’s guide to finding the world

11 FIGHT THE FRIZZ THIS WINTER

EDITOR Jenn Litzenberger jm_graff@hotmail.com

Roger MacPherson (306) 537 3559 roger@getcompass.ca Robin Sanders (306) 550 8130 robin@getcompass.ca

GRAPHIC DESIGNER & MAGAZINE COORDINATOR Lori Kluge Lori@getcompass.ca

By Joy Teach

12 PLAY IT SAFE WHEN

SHOPPING ONLINE

14 4 TIPS FOR TRAVELLING

ON A STUDENT BUDGET

16 RECIPE Pasta

18 #STYLELIVESHERE

WRITERS Cheryl Kirkness cheryl@momsandmunchkins.ca Joy Tesch joyteschhair@gmail.com Michelle Strawford strawfords@live.ca Ashlyn George thelostgirlsguide@gmail.com

Copyright 2017: PINK Magazine for Saskatchewan Women is a Compass Advertising Ltd. publication, published monthly and distributed free on stands across Saskatchewan. All rights reserved by Compass Advertising Ltd. Reproduction in any form of any material in PINK Magazine is strictly prohibited without written consent. Any requests for duplication of any content should be sent to Compass Advertising Ltd..

Compass Advertising Ltd. makes every effort to ensure the accuracy of all of the information and ads that we publish. However, mistakes can happen and Compass Advertising Ltd., along with any affiliates, cannot be held responsible for any consequences arising from any errors or omissions other than the cost of the ad. Compass Advertising Ltd. reserves the right to refuse ads if deemed inappropriate.

4 |

FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 11, NOVEMBER 2017

Fashion column by Michelle Strawford

20 MOMS AND MUNCHKINS

By Cheryl Kirkness

22 THE SCIENCE BEHIND

DEEP BREATHS,

YOGA AND YOUR HEALTH

845 B McDonald Street, Regina, SK. S4N 2X5 Tel: (306) 585 2064 • Toll Free 1 (888) 717 6655 Fax: (306) 585 2080 • Email: pink@getcompass.ca Website: pinkmagazine.ca facebook.com/pinkmagsask

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FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 11, NOVEMBER 2017 | 5

SCUBA DIVING SASKATCHEWAN: Adventure Activities in Your Own Backyard Have you ever dreamed about learning to scuba dive? What about scuba diving HERE in Saskatchewan?

I started my diving career in a pool at Harry Bailey Aquatic Centre in Saskatoon. I used it as a foundation for completing my open water and advanced courses when I went to Thailand in 2012.

Since then, you could say it’s become a bit more than just a hobby – it’s a passion. I’ve logged more than 200 dives in nearly 20 countries. I even spent two months living in the Galapagos Islands as I pursued my professional level of diving as a PADI Divemaster. (You can’t argue what a great excuse dive training is to live in such a gorgeous location: dive with hammerhead sharks all morning then surf all afternoon).

Yet, out of all the dives I’ve logged, including a few in Alberta and British Columbia, I had yet to dip below the surface of one of Saskatchewan’s 100,000 lakes.

So this summer, as a self-confessed Saskatchewan adventure 6 |

FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 11, NOVEMBER 2017

junkie, I knew I needed to change that. I connected with the team at the Scuba Guys Dive Shop (www.scubaguysdiveshop. com) in Moose Jaw and they took me out for a sunset night dive at Lovering Lake. Located less than ten kilometres from Chamberlain, it’s a fantastic lake for diving because of its clarity early in the spring and summer seasons as well as during the winter.

I geared up in a seven-millimetre-thick wetsuit, hood, gloves and boots. Then I loaded up with 26 pounds of weight to ensure I was negatively buoyant and would sink below the surface. The maximum depth in the lake is only about 55 feet, but we weren’t planning to dive any deeper than 40 feet.

As it was the end of summer, I was told that visibility would only be 5 to 10 feet. I was surprised when I submerged myself to find it only about 3 feet. It was hard to keep a close eye on my dive partner in such darkness. But in that moment, I was appreciative

of my prior diving training. I was also appreciative of having grown up in Saskatchewan in the wintertime. The bottom of Lovering Lake is covered in silt. If it gets disturbed, all the little particles float up and further reduce visibility. Underwater at night with only a flashlight, it’s akin to driving in a blizzard with your high-beams on (or like lightspeed in Star Wars).

With such low visibility there are still a number of things to explore.

Lovering Lake is popular for training dives and the club has submerged a few quirky artifacts to keep it interesting. I kept thinking of myself as an underwater adventurer, discovering sunken treasure. There’s a “Welcome to Lovering Lake” sign with a BBQ not too far beyond it.

There’s a railway crossing sign and parts of a mannequin which is eerie to come upon if you’re not expecting it. Further west are the relics of fish cages from when the lake was stocked with trout.

Beyond these human elements of the dive, I was delighted to spot a few sleeping fish. I also enjoyed watching dozens of crayfish scuttle around backwards trying to hide from my flashlight. Only one species of crayfish is found in the province and it’s common to many lakes, rivers and streams.

Saskatchewan may not be the Caribbean when it comes to diving, but I had just as much fun discovering this unique perspective of a Saskatchewan lake as I would on any diving adventure around the world.

Suffering from insatiable wanderlust, Ashlyn George is an award-winning travel writer and photographer who has travelled through more than 55 countries and onto every continent before the age of 30. In 2015 she travelled 37,000 kilometres across her home province of Saskatchewan as the official personality and travel blogger for the Government of Saskatchewan. Currently she documents her adventures and stories on her blog The Lost Girl’s Guide to Finding the World.

To connect with Ashlyn and follow her journey, find her online at www.thelostgirlsguide.com or at ashlyn@thelostgirlsguide.com. As well as on her social media channels: Facebook.com/thelostgirlsguide • Instagram: @thelostgirlsguide • Twitter: @lostgirlsguide FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 11, NOVEMBER 2017 | 7

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FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 11, NOVEMBER 2017

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Can You Save for Education and Retirement?

Few of us have unlimited financial resources — which means that almost all of us need to prioritize our financial goals. Consequently, you’ll have some decisions to make if you’d like to help pay for your children’s post-secondary educations someday while, at the same time, saving for your own retirement.

Your first step in addressing these objectives is to maintain realistic expectations. Consider the issue of paying for education. Right now, the average Canadian full-time student in an undergraduate program paid $6,373 for one year in tuition fees alone, according to Statistics Canada. And these costs are likely to keep rising in the years ahead. Can you save this much for your kids’ education?

Instead of committing yourself to putting away this type of money, take a holistic approach to saving for your children’s higher education. After all, you probably won’t be the only one to help pay for post-secondary school.

Depending on your income and assets and your place of residence, you may be eligible for federal and provincial student loans and grants. Also, you should encourage your children to apply for as many scholarships as possible — but keep in mind that most scholarships don’t provide a “full ride.” Here’s the bottom line: Don’t assume you will receive so much aid that you don’t need to save for education at all, but don’t burden yourself with the expectation that you need to pick up the full tab for your children’s schooling.

reduce stress, move forward, enjoy your spaces!

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Keep extra supplies together in a separate cabinet or space.

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Use desk drawers for the items and files you access often.

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Purchase filing cabinets and shelving based on the amount of storage needed.

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Minimize pictures and ornaments to give extra work surface.

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Re-locate items from high surfaces, to open up the space.

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On a practical level, you may want to commit to putting a certain amount per month into an education savings vehicle, such as a Registered Education Savings Plan (RESP). When you invest in an RESP, all earnings in an RESP (capital gains, dividends and interest) on the investments inside your RESP accumulate tax-free until withdrawn. The government also matches 20% of annual contributions up to a maximum of $500 in the form of the Canadian Education Savings Grant (CESG).

By starting to contribute to your RESP early, when your children are young, you’ll give the investments within the plan more time to grow. Plus, you can make smaller contributions on a regular basis, rather than come up with big lump sumsPMS later 5535 on. And by following this approach, you may be in a better financial position for investing in your RRSP and your TFSA. Obviously, it’s to your benefit to contribute as much as you can to these plans, which offer tax advantages and a wide range of investment options. If you’re investing in a RRSP, try to boost your contributions every time your salary increases.

At the very least, always put in enough to earn your employer’s matching contribution, if one is offered.

And once your children are through with school, you can discontinue saving in your RESP (although you may want to open another one in the future for your grandchildren) and devote more money to your retirement accounts.

Black

It can certainly be challenging to save for education and retirement – but with discipline and perseverance, it can be done. So, give it the “old college try.”

Member – Canadian Investor Protection Fund Call today to schedule a personal financial review.

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FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 11, NOVEMBER 2017

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Fight The Frizz This Winter

By Joy Tesch at Visions Salon and Spa Frizz can happen to anyone’s hair! Here are a few frizz-fighting hair hacks could save the day. Frizz is something we battle all year round. In summer, high humidity makes hair super frizzy and in winter, it can become dry and full of static. Why can’t we seem to get a break!

Whether your hair is curly or straight, frizz is something we all have to learn to manage. When it comes to fighting frizz there are two hair laws that I follow: 1. Dry hair = frizz 2. Friction = frizz.

Understanding these two unavoidable hair laws will help you learn how to manage your hair better and find the solution for dry, frizzy hair. These frizz-fighting hair hacks are tricks I use on the daily and they could just change your life too.

1. BANISH DRY HAIR Stop frizz from forming right from the start when you wash your hair. Conditioner is an essential step in moisturizing your hair.

Also keep in mind your hair type, if your hair is curly make sure to be using a product that is designed for curly hair and will have extra moisture. If your hair is fine, use a product that is designed for your hair type. Now that you’ve conditioned your hair well

in the shower, before you even step out, you have to lock that hydration in. You want to use a cream base product that will give you extra moisture. The final step for really dry hair is to use a penetrating oil to seal all that moisture in. By laying a good foundation while your hair is wet, you protect your hair so it can withstand any humid weather.

2. AVOID Anytime you rough up your hair, you cause the hair cuticle to open and stand up which looks like frizz. It can happen by rubbing your hair with a towel, brushing your hair roughly and blow drying your hair not from the root down but rather from the tip up (this works against the hair cuticle). All of these environmental factors contribute to friction against your hair, which causes frizz. It can even happen in your sleep! The rougher cotton fibers of your pillow case rub against our hair as you sleep causing more friction, meaning you wake up with frizz. The quickest solution to this step is to switch to a silk or satin pillow case which is a lot smoother and finer against your hair. Instead of using a regular towel, switch it up for a t-shirt or a softer, microfiber towel. Or if you want use your regular towel, just be more gentle. Think about how you’re handling your hair when its wet as this is when you can cause the most frizz.

Joy Tesch is a passionate hairstylist who originated in Vancouver and has continued to develop her talent by further training not only in Vancouver, but as well as Las Vegas, New York, Orlando, Miami and is now residing in Saskatoon. Her extended training has furthered her knowledge in precision cuts, hair colours and up styling. Hair is a fashion industry that is continually changing and growing; she truly values the importance of continually upgrading and enhancing her skills. She doesn’t believe hair dressing is just a job, it’s her passion. Joy is a hair stylist in Saskatoon. For more hair tips, follow her on Facebook and instagram at Joyteschhair.

FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 11, NOVEMBER 2017 | 11

PLAY IT SAFE WHEN SHOPPING ONLINE (NC) Online shopping is now more convenient than ever, with endless stock to choose from a wealth of retailers. However, with increased online spending comes the increased chance of vicious software attacking your devices and stealing your

personal information.

Protect yourself by developing these safety habits when you are purchasing items over the internet.

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Tips for safe smartphone shopping 1. Keep software up-to-date. No matter if you’re using a phone, a tablet or a computer to make your purchase, make sure to download recommended updates. These often include improved security features and protection against new and evolving viruses and malware.

2. Don’t share your passcode. This might seem like a nobrainer, but keeping your passcode to yourself is the easiest way to protect your information. Try to keep your passwords strong by varying across multiple accounts and devices.

Some recommend changing your password frequently, but this could actually leave you vulnerable by encouraging you to select weaker, more memorable passwords.

4. Use a credit card over a debit card. It is much easier to protect yourself when you are using a credit card over a debit card. Typically, your debit card can be used to access more elements of your bank account than a credit card can.

Most importantly, before entering your credit card information, make sure the online store uses a secure page and system you trust. Companies like Elavon are trusted because they take the merchant and consumer’s security seriously, using sophisticated technology to protect your banking information.

Find more information online at www.elavon.ca.

3. Don’t access sensitive information over wi-fi. Using unsecured internet could make your phone and your information vulnerable to hackers, viruses or other security breaches.

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FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 11, NOVEMBER 2017 | 13

4 TIPS FOR TRAVELLING ON A STUDENT BUDGET

(NC) With more young people preferring to spend their money on experiences like travel, it can be tempting to blow student loans on extravagant vacations. For students hoping to stick to a tight budget, taking advantage of exciting opportunities to explore abroad can seem next to impossible. Fortunately, some smart saving strategies and thinking outside the box

can make all the difference. Whether you’re a student or your son or daughter is, here are some ideas to turn student travel dreams into reality.

1. Consider a working holiday or internship. Travelling becomes a lot more affordable when you can work during

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FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 11, NOVEMBER 2017

your time away. Although visa requirements can seem complex, you can make the process easier with International Experience Canada. This government program allows youth ages 18 to 35 to obtain work permits to travel and work abroad for up to two years in over 30 partner countries and territories. It’s also a great way to gain confidence and cultural awareness.

2. Think of it as an investment. With more companies recruiting for global mobility and well-rounded individuals, you can stand out in a competitive job market with international travel and work experience. Widen your career horizons as you learn new approaches to creative problem solving, work on teams with diverse cultural backgrounds and gain language skills. As a bonus, research shows that youth with international experience are less likely to be unemployed thanks to the personal and professional skills they gain abroad.

ling can stretch your dollar even further. Remember that cities might have cheap flights but be expensive in other ways, so create a budget that factors everything including local food, housing and recreation costs so you can pick the right spot for your trip.

4. Look out for special discounts. Once you get to your destination, there are plenty of ways to save. Ground transportation like metropolitan subways and intercity trains and buses often offer student rates, so check before buying.

Many cultural attractions also have student discounts, with some museums even boasting free admission to permanent collections for everyone. Always bring your postsecondary identification and International Student Identity Card with you to make sure you qualify.

Take the first step to a rewarding experience. Find more information on working and travelling abroad at canada.ca/iec.

3. Plan ahead. You can save considerably by booking your airline tickets and other reservations well in advance, and comparing prices to find off-peak days or seasons for travel-

FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 11, NOVEMBER 2017 | 15

PASTA Fresh Pasta INGREDIENTS: • About 2 1/2 cups (625 ml) unbleached all-purpose flour • Salt • 4 eggs • About 1 tablespoon (15 ml) olive oil

PREPARATION 1. Place the flour in a large mixing bowl.

2. Make a well in the centre.

3. Break the eggs into the well and add the oil.

4. With a fork, lightly beat the eggs and oil, gradually mixing them with the flour. When the dough becomes too thick to work with the fork, continue with your fingertips and then your hands.

5. Do not use too much flour. A few tablespoons may be left over, or there may not be quite enough, depending on the humidity level and the size of the eggs.

6. Knead the dough on a floured surface for about 10 minutes. The dough will become smooth and elastic. If the dough is sticky, dust it lightly with flour and continue kneading.

6. Let stand for 30 minutes before rolling. If rolling the dough by hand, use a pasta rolling pin and roll it very thin. Cut in 1 cm strips for fettuccine.

7. If you have a pasta machine, follow the manufacturer’s instructions for rolling and cutting.

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FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 11, NOVEMBER 2017

Spaghetti with Tomato Sauce

Roasted Veggie Pasta

5 servings

3 servings

INGREDIENTS:

INGREDIENTS:

• 12 ounces spaghetti • 1 pound lean ground beef • 1 tsp salt • 3/4 tsp white sugar • 1 tsp dried oregano • 1/4 tsp ground black pepper • 1/8 tsp garlic powder • 2 tbsp dried minced onion • 2 1/2 cups chopped tomatoes • 1 1/3 (6 ounce) cans tomato paste • 1 (4.5 ounce) can sliced mushrooms

• 1/4 lb fresh asparagus • 2 red bell pepper, sliced • 1/4 lb crimini mushrooms • 10 cloves roasted garlic • 1/2 tomato, quartered • 1/2 tsp fresh rosemary • 1/2 tsp fresh oregano • 2 tbsp olive oil • 8 ounces dry fettuccini • 1/4 cup grated Parmesan • 2 tbsp tapenade

PREPARATION

PREPARATION

1. Brown beef over medium heat. Drain off fat.

2. In a large pot, combine beef, salt, sugar, oregano, pepper, garlic powder, onion flakes, diced tomatoes, tomato paste, and mushrooms. Simmer at a low heat setting for 2 hours, stirring occasionally.

3. Cook pasta according to package directions. Drain. Serve sauce over spaghetti.

1. Preheat oven to 350 F (175 C). Prepare asparagus by trimming woody base and cutting diagonally into 4 inch pieces.

2. In a roasting pan, combine asparagus, chopped peppers, mushrooms, garlic and tomato. Sprinkle with rosemary and oregano, drizzle with olive oil. Bake in oven for 15 minutes.

3. Cook pasta according to package directions. Drain. Toss with Parmesan cheese, tapenade and roasted vegetables.

Penne Pasta with Spinach & Bacon

Fettuccine Alfredo

4 servings

4 servings

INGREDIENTS:

INGREDIENTS:

• 1 (12 ounce) package penne pasta • 2 tbsp olive oil, divided • 6 slices bacon, chopped • 2 tbsp minced garlic • 1 (14.5 ounce) can diced tomatoes • 1 bunch fresh spinach, rinsed and torn into bite-size pieces

• 24 ounces dry fettuccini pasta • 1 cup butter • 3/4 pint heavy cream • salt and pepper to taste • 1 dash garlic salt • 3/4 cup grated Romano cheese • 1/2 cup grated Parmesan cheese

PREPARATION

PREPARATION

1. Bring a large pot of lightly salted water to a boil. Add the penne pasta, and cook until tender, 8 to 10 minutes.

2. Meanwhile, heat 1 tbsp of olive oil in a skillet over medium heat. Place bacon in the skillet, and cook until browned and crisp. Add garlic, and cook for about 1 minute. Stir in the tomatoes, and cook until heated through.

3. Place the spinach into a colander, and drain the hot pasta over it so it is wilted. Transfer to a large serving bowl, and toss with the remaining olive oil, and the bacon and tomato mixture.

1. Bring a large pot of lightly salted water to a boil. Add fettuccini and cook for 8 to 10 minutes or until al dente; drain.

2. In a large saucepan, melt butter into cream over low heat. Add salt, pepper and garlic salt. Stir in cheese over medium heat until melted; this will thicken the sauce.

3. Add pasta to sauce. Use enough of the pasta so that all of the sauce is used and the pasta is thoroughly coated. Serve immediately.

FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 11, NOVEMBER 2017 | 17

#STYLELIVESHERE BELLA CHIC’S TOP 10 GIFTS OF STYLE UNDER $80

By Michelle Strawford It’s that time of year again and we are here to help! We all strive to find the perfect gifts for those we love. We want to share our favorite style finds to cover all the ladies and littles ones on your shopping list. And the best part? We’ve left enough in your wallet to purchase a little something for yourself this season!

You do not need to look far to find the best holiday styles and prices. Shop Bella Chic online at www.bellachic.ca. Also visit Bella Chic in our store at 5P South Plains Rd West, Emerald Park. Now open 7 days a week. Directions and store hours are available online. Find us too on Facebook at /BellaChic.

Fashion and remember to share your favorite fashion pics on our Instagram feed @Bellachic_Canada.

MESSAGE SOCKS

#COZYUP

photos by Dex, Fizz & Frost, Look By M and BB Dakota

AUSTRIAN CRYSTAL

BABY LOVE

PENNY BLOSSOM

PLAID LOVE

EFFORTLESS STYLE

FIZZ & FROST

I’D RATHER BE A UNICORN BATH BOMB

PARKA FUN

With a lifelong passion for fashion Michelle Strawford runs multiple businesses all with a focus on showcasing and bringing style to Saskatchewan. From owning a photography company and producing SK’s top retail events, not to mention owning a women’s fashion company too, Michelle lives and breathes what she loves. Find out more at: BellaChic.ca Instagram: @BellaChic_Canada Facebook: /BellaChic.Fashion Twitter: @BellaChicOnline

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FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 11, NOVEMBER 2017

WhatWomenWantEvent.com Facebook: /WhatWomenWantEvents/ Twitter: @WhatWomenWantSK Contact Michelle at michelle.strawford@sasktel.net Twitter: @michelleStrawf1

WELCOMe I/We,

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commit to uphold the Saskatchewan motto From Many Peoples Strength and actively support welcoming and inclusive communities that create a sense of home and belonging for all people.

I/We will: support equality, respect and dignity among all people in my/our community learn more about contributions of Indigenous people and our treaty rights and responsibilities participate in events that include and celebrate diversity recognize and reject racism develop relationships with people from different cultures encourage opportunities for all community members to contribute and to be valued I/We make a personal commitment to

#WelcomeHome150 WELCOMING & INCLUSIVE COMMUNITIES

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FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 11, NOVEMBER 2017 | 19

APPLE CRISP CHEESECAKE The holiday party season has arrived! Do you have a signature dessert that you bring to every holiday potluck party? If not, you do now! This Apple Crisp Cheesecake is a crowd pleaser and is quite easy to make (don’t let the long ingredients list fool you).

INGREDIENTS:

DIRECTIONS: Preheat oven to 350F.

Crust:

Cheesecake:

Crust:

• ½ cup unsalted butter, melted • ½ cup large flake rolled oats • 1 ½ cups graham cracker crumbs • 1 teaspoon cinnamon

• 1 can (540ml) apple pie filling • ¼ cup caramel ice cream topping • 3 packages (250g each) cream cheese, softened • ¾ cup granulated sugar • 4 large eggs • ½ cup sour cream • 1 teaspoon vanilla extract • 2 tablespoons all-purpose flour • Optional: additional caramel ice cream sauce to top cheesecake with before serving

1. Stir crust ingredients together until well mixed then press into the bottom of a 10-inch springform pan.

2. Bake for 10 minutes. Remove from oven.

4. Reduce oven temperature to 325F. 5. Spread apple pie filling evenly over crust.

6. Pour caramel sauce evenly over apples.

7. Set aside.

Topping: • ½ cup all-purpose flour • 1 teaspoon cinnamon • ½ cup light brown sugar, packed • ½ cup unsalted butter, cold • ¾ cup large flake rolled oats

Topping: 1. In a large bowl, stir together flour, cinnamon, brown sugar and rolled oats until well mixed.

2. Using a pastry blender (also called a pastry cutter), cut cold butter into oat mixture until mixture is crumbly.

3. Set aside.

Cheesecake: 1. Beat cream cheese and sugar together until well blended and smooth.

2. Add eggs, one at a time, to cream cheese mixture.

Beat mixture well after each egg is added. Use a spatula to occasionally scrape down the sides of the bowl.

3. Beat in sour cream, vanilla and flour. Beat until combined.

4. Pour cheesecake batter evenly over the oat and apple caramel base.

5. Sprinkle oat mixture topping evenly over cheesecake batter.

6. Bake in oven, at a 325F temperature, for 1.5 to 1.75 hours. Cheesecake is done when there is just a slight jiggle left in the center of the cheesecake.

7. Remove from oven and let cool on wire rack for one hour.

8. Refrigerate for at least 4 hours before removing from pan.

9. Run table knife around inside of pan before removing cheesecake from pan.

10. Top with additional caramel sauce before serving.

11. Store leftovers in refrigerator.

www.momsandmunchkins.ca 20 |

FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 11, NOVEMBER 2017

by Cheryl Kirkness

contemporary feel, look for on-trend hardware in matte black, rose gold or brass.

If the new pull is the same size as the old one, simply unscrew from behind and replace. If you need to resize, fill the existing holes with a durable wood filler, sand and touch-up. Then make a paper template with the new hole spacing marked center on the drawer, and drill the new holes to install hardware. This frugal fix packs a lot of bang for your buck.

Novice: Refresh your kitchen faucet. The kitchen is the heart every home, and during the holidays it will likely be the centre of the party. Impress guests with a quick and trendy faucet update. First, determine how many holes exist in your sink or in your countertop if you have an undermount sink. This determines what type of replacement faucet will fit. Three and fourhole sinks are the most common. If you have a three-hole, you can choose a faucet with two accessories, such as a soap dispenser or sprayer. You also can select a double-handle faucet with one accessory or a single-handle with a deck plate such as American Standard’s Fairbury gooseneck faucet. Whether your style calls for a matte black farmhouse look or a sleek, polished chrome modern aesthetic, this upgrade offers both practicality and styl-

4 TIPS FOR TRAVELLING ON A STUDENT BUDGET (NC) Holiday entertaining can be stressful, and every good host wants to impress. Before the cooking begins and the guests arrive, consider tackling a few projects that will refresh your space to make a great impression without breaking the bank. Depending on your skill level, here are a few quick ideas from The Home Depot Canada to inspire and inform.

Beginner: Modernize your hardware. Stay on trend by upgrading your cabinet knobs and pulls. To give your space a

ish design.

Expert: Upgrade your toilet. With extra bustle in your home this season, consider replacing your toilet to save on water bills and cleaning. Look for high-efficiency models with enough flushing power to eliminate the stress of emergency clogging. Choose a high-power model like the Champion from American Standard, which earned its title for its ability to move masses 70 per cent larger than a standard toilet. So, if your visiting nephew accidentally throws the toilet paper roll in the bowl, worry not because this toilet will flush it down.

The best part is that no tools are required for installation and it includes everything you need to make the swap.

FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 11, NOVEMBER 2017 | 21

THE SCIENCE BEHIND DEEP BREATHS, YOGA AND YOUR HEALTH (NC) From goat yoga or aerial yoga to acroyoga, the popularity of this exercise is undeniable. But is there something to be said for yoga and your lungs?

While the lifestyle associated with yoga, including incense or even goats, may not always be favourable to good lung health, the core of the practice certainly is. Whether you use yoga as a preventative or a rehabilitative measure, yoga and

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FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 11, NOVEMBER 2017

lungs go well together. Here are the top three benefits of the deep breaths that are an essential part of this exercise.

1. Manage stress and reduces anxiety. Deep breaths help to manage stress and anxiety. This type of breathing is also calming.

2. Help strengthen your breathing muscles. All muscles can benefit from exercise, and breathing muscles are no different.

3. Increase lung capacity. Regular exercise, including yoga, helps to increase your lung capacity and overall fitness.

Find more information on the benefits of controlled breathing at www.blog.lung.ca.

Miracle babies need your will to survive.

Every year more and more babies in Canada are born too soon, too small or too sick. These miracle babies need the specialized care that is only available in Newborn Intensive Care Units (NICUs).

Include the Sandra Schmirler Foundation in your will and help save the lives of babies born premature and critically ill. Our funding ensures NICUs are equipped with the latest technology that allows Moms and Dads to stay close to home, near family and friends.

If you would like a copy of our free Legacy Guide or more information about creating your legacy gift, please contact Brenda Gallagher in confidence at 1-866-210-6011 or bgallagher@sandraschmirler.org

Every baby deserves the chance to grow up and be a champion.

When you name us in your will you are giving these most vulnerable babies the chance to live their dreams.

FOR SASKATCHEWAN WOMEN | VOL. 6 ISSUE 11, NOVEMBER 2017 | 23

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